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United Healthcare Health Insurance Company

The United Healthcare Health Insurance Company is a division of UnitedHealth Group, which is a major health insurance carrier in the United States. United Healthcare (UHC) is a company offering health insurance products to over 70 million Americans. If you are considering changing health insurance companies, or are looking for your first policy, you may want to consider the products offered by United Healthcare and compare them to your other prospective providers.

United Healthcare offers a number of health insurance plans. The company claims to be committed to offering a quality product at a price that consumers can afford. In a situation where a standard policy doesn’t give you the level of coverage you need, United Healthcare customers can add optional benefits or a rider to the policy.

After you have read through this United Healthcare review then be sure and read the reviews of United Healthcare written by customers of UHC at the bottom of the page (or be sure and leave your own review of UHC health insurance!) Once you have finished the review of United Healthcare then be sure and use the free quote tool to compare quotes from top health insurance providers for free online!

Benefits of United Healthcare

One of the greatest benefits to choosing a UHC health insurance plan is that UnitedHealth Group is the single largest health carrier in the US. The size of United Healthcare is a huge advantage to its members because of its extremely large network of Doctors and Hospitals allow for tremendous convenience and cost savings.

United Healthcare Co-Pay Plans

UHC offers co-pay insurance plans to its customers because they have similar benefits as employer health plans. Under a Preferred Provider Organization (PPO) plan, the subscriber is required to pay a set amount for each office visit and preventive care visit when consulting a doctor who is participating in the network. After the co-payment has been made, the insurer will cover the cost of the services provided, up to the limit stated on the policy.

Many plans will pay for the full cost (100%) of the fee for the consultation and exam. Prescription drugs are usually included in this type of plan as well. The subscriber is responsible for paying a set co-pay for each prescription medication. If you are considering a health insurance plan with a co-pay, you will want to ask whether you have coverage for generic drug only, or if your coverage extends to brand name medications as well. (You may need to pay a higher amount if you want to get something other than a generic medication.) Be aware that even if it does cover name brand medications, there may be a preferred list and some they just won’t cover.

United Healthcare offers a Golden Rule insurance plan (United Healthcare individual health insurance plans are marketed under different names in different states – Golden Rule, United HealthOne, PacifiCare, American Medical Security, and AMS) that pays for medical expenses (in-patient and out-patient) up to a lifetime limit of $3 million. Customers have the option of buying a policy with a lifetime limit of $5 million as well.

Generally speaking, a higher lifetime limit is a good idea if you can afford the coverage. If you were involved in a serious accident or were diagnosed with a chronic illness, the cost of your care would add up very quickly. Once you reach the lifetime limit, you will be responsible for paying for your medical care out of your own pocket, which is a situation you will want to avoid.

United Healthcare High Deductible Plans

If you are willing and able to pay for the cost of your regular healthcare yourself, choosing a high-deductible health insurance plan from United Healthcare may be the right choice for you. When you choose a plan with a higher deductible, you save money on the cost of your premium payments. The insurance company will pay only benefits once you meet your deductible.

This option is a good choice for people who are relatively healthy and who don’t anticipate needing to see a doctor often. It is a product designed to meet the needs to people who are more focuses on wanting to buy health coverage to protect them from major medical expenses.

United Healthcare Short Term Health Insurance Coverage

UHC short term health insurance is designed to fill in gaps in coverage for up to six months at a time. A person who has lost his or her job or who has recently graduated from college and doesn’t have employer health insurance coverage would likely be interested in this kind of insurance coverage. Someone who is taking early retirement would benefit from this plan as well.

United Healthcare offers several deductible levels for short term insurance. You can choose the payment options and length of coverage that makes sense for your situation. If you get coverage from another carrier, you can drop your short-term coverage at any point, without penalty.

United Healthcare Student Health Insurance Coverage

The student health insurance plans offered by United Healthcare protect students 24 hours a day, whether they are on campus or not. Students can participate in United’s PPO, which has member physicians nationwide. A help line staffed by registered nurses is also available to subscribers to answer questions they may have. You can also use the number above to talk to independent agents who can help you to compare the various plans, policies and providers you are considering.

Compare United Healthcare Health Insurance Quotes Online

Now that you have some information about the kinds of products that United Healthcare Health Insurance Company provides, why don’t you take the next step and get some quotes for your coverage? The free insurance tool at the top of the page is here to help. Just click on it and you can get started comparing rates from many different health insurance providers online right now!

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84 reviews

  • Ms. Lincoln /
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    I called the customer service number 888-867-5575 I am still on hold it’s been two hours.

    Do I ever regret choosing this company for my prescription coverage already. AARP you suck at customer service. Is anyone in the office today? I keep getting a recorded message a customer service rep will be with you shortly.

    What a joke!!!!!

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    Customer Service is ok. I feel you Should really Change Phone Company’s it is impossible to hear anyone when talking to the operators. It’s amazing how anyone there can get anything done Correctly and Effectively.

    I have made several other calls to company’s before Calling United Healthcare Customer Service so, I know, in fact, it wasn’t my end of the line. Hope it gets fixed 馃檪

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    Worst Insurance I ever dealt with. Their website offers to search providers in network that are accepting new patients. From a list of 30 providers not one of them was accepting new patients or were accepting new patients but not from United Health Care.

    They actually have doctors listed as “in-network” that do not accept UNC’s insurance. This should be illegal. After having hours of difficulty in just trying to select a Primary Health Care Physician from their site I called their support. Even worse. They search using the same web tool I am and say they’ll call a number of doctors to find one in my area (SF Bay Area, with thousands of doctors, not in the boonies). Each time after they have called 3 or 4 doctors and found the same thing as me, no doctors accept their insurance, they say I’ll try another and then they hang up.

    DO NOT SELECT UNITED HEALTH CARE AS YOUR HEALTH CARE PROVIDER! Get Kaiser or anything else. Plead with your HR not to select them if under review. I have been paying for this insurance for 5 months and still do not have a doctor. Hope this helps someone avoid the trouble I’ve experienced.

  • Anna-Lisa Girling /
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    My spouse’s employer switched to UHC about 2 1/2 years ago and my experience obtaining my frequent health care needs (complex chronic health problems) with them has been infuriating!

    My biggest gripe is that they make it impossible to talk with a live human being about anything and their voice mail is constructed to take one through a labyrinth that brings one back to “enter” no matter how it’s navigated. The only way I’ve ever gotten a response to an inquiry is to raise h@#$ with the HR people at my spouse’s employer. They don’t need that kind of grief from me and I feel sorry every time I need to do it.

    I take both Lyrica and Cymbalta for chronic painful neuropathy just about everywhere in my body. They have mucked about with those 2 Rx several times and this latest shift to a different online pharmacy has launched the game all over again.

    The mailings we get from them are vague, vague, vague and make me feel so vulnerable that my pain levels get jacked up and I flake out of an improved life thanks to improved gains I’ve enjoyed in the 26 years I’ve had this crap. To H#$@ with them! My spouse is looking for a different job just for a shot at a different insurance provider. Otherwise, she loves the job she has now. What a bolloxed up system.

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    UHC has to be the WORST health plan I have ever dealt with. RUDE customer service.

    I have been waiting 3 days to see a doctor because they cannot figure out to email me a temporary card. All of this for $700/month in premium.

    You people should get out of the healthcare business.

  • Casey Wilson /
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    This has been the biggest waste of money! I pay $140 a month for nothing. They do not cover anything. I have tried to use for medications, yearly physicals, x-rays, and specialists. I had to pay hundreds of dollars for birth control each month, I also dislocated my knee and they did not pay a penny for my initial doctor visit to the MRIs the ortho, or the physical therapist.

    I would have been better off not paying for insurance and getting on Medicaid…. Thank God iIdid not need surgery or else I would have been put on the street… As a soon o be RN if I ever have a patient who has this insurance including golden rule, I will do everything possible to help them find something better… Which is pretty much every other medical insurance company including government assisted help…

    Seriously UHC, your ethics are disgusting and you’re a thief. But thank you for the life lesson. I look forward to supporting your competitors.

  • B Goldman /
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    Heaven help you if you need to reach them in an emergency because their phone system stinks. When I called their customer service number at 10:43 AM, I got a recording to call back during their normal business hours, 8 AM to 8 PM. When I called another so-called service number, I was told I’d called the wrong department, and in the process of “transferring” my call, I got hung up on.

    I switched to this plan only because my previous one went out of business. In retrospect, I think even regular Medicare would have been better.

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    If you have a choice don’t go here. These people suck. Got stuck with bills they wouldn’t cover even if I called to see if it was just days before going to doctor. “yes that is covered” They are either liars or they have only clueless employees. Worst insurance company EVER.

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    Basically, they will not cover you if you have an emergency, regardless of what your policy says.

    I have UnitedHealthcare through my school. I had a medical emergency and went to an emergency room. The hospital I went to was in-network but the physician I saw was out-of-network (meaning it’s impossible to actively choose in-network coverage for emergencies, to begin with). I checked my policy later which states that all medical emergencies are treated as in-network. In-network rates were 100% of “Preferred Allowance,” which was defined in the policy as “the amount a Preferred Provider and In-Network Provider will accept as payment in full.” I figured this was good and the entire thing would be covered after my deductible.

    They instead covered a small fraction of the charges. I appealed and their response was that Preferred Allowance isn’t payment-in-full, even in emergencies, because my physician was out-of-network. I wrote a follow-up appeal where I laid out exactly step-by-step where my take on the issue came from, complete with citations from my policy and from partner companies which they directed me to. Their response was that Preferred Allowance means 100% of “Usual and Customary” charges, which are set by FAIR Health which uses Medicare as a standard, yielding rates that are not at all usual or customary.

    Regardless, none of this is anywhere to be found in my policy as neither UnitedHealthcare, the Insurance Commissioner in my state, nor the representative at my university could point me to where in my policy their conclusions come from.

    The response was repeatedly that it’s just because my physician was out-of-network and so doesn’t have pre-arranged rates. Of course, Preferred Allowance is not defined as “payment in full only when it’s an in-network provider with a pre-arranged rate,” which no one would acknowledge.

    To be fair, I haven’t had a problem with their network and the plan I have would be great except that they actually honor it. Don’t be taken in by the looks of things. They’ll find ways to use even the slightest amount of vagueness in their policies to deny you coverage. They’ll throw all sorts of jargon and non-sequiturs at you in an effort to confuse you when you try to appeal. Anything short of full legal action will yield no results whatsoever. Thankfully, the physician that saw me dropped my charges so I don’t have to file suit. I wouldn’t be surprised if they did this due to previous encounters with UnitedHealthcare.

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    Horrible. It is nice that their doctors know our needs better than our own physician. My daughter has CP. Her therapists, orthopedic doctor, and neurologist all say the same thing. Stand, stand, stand. The more weight-bearing she does the better. It could possibly help prevent future surgeries.

    I guess they would rather pay for surgeries because they denied the stander that would help her weight bear. As anyone knows, you can’t walk until you can stand. Unbelievable.

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    I have the student plan which, originally I was happy to finally have insurance again. That was until I actually needed a doctor and very little was covered despite being referred to the specific doctor by United Healthcare. My doctor explained that they always get preapproval for the healthcare provided, but United Health recanted on what they said they would pay.

    Very fishy company, they will site the smallest item in their fine print, even after they were proven wrong. They will not give the payment to the doctor, citing an employees error (on United’s end). Do not recommend.

  • Angry Customer /
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    My 20 y/o son was diagnosed with Bulimia and has been doing it for over 3 years (undetected by us). United Health Care does not think it is a serious enough issue to warrant a 5-day a week 6-hour program. They suggest that he should see a doctor 1-2 a week an hour each visit. It has been appealed 3 times and it keeps getting upheld by UHC (of course there is no outside appeals board).

    United Health Care has refused to pay any of the $395.00 a day rate, which will have to be paid by me and of course I will pay it. I was one of the Officers of my company that help choose this new insurance company last year after they sold me a load of BS.

    DO NOT USE/PURCHASE UNITED HEALTH CARE FOR YOURSELF OR EMPLOYEES…

  • Michael Gehret /
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    United Healthcare is one of the WORST experiences my family have ever encountered when my mother (who had been with them for years) was diagnosed with pancreatic cancer. United Healthcare denied all doctor’s orders, family requests for items Mom needed during her last days on Earth.

    United healthcare denied : Hospital Bed, Shower Chair, Oxygen, Medications, Inhalers, Breathing apparatus, diapers, special mattress to prevent bed sores, outside nursing as needed. This company denied EVERYTHING that was ordered and requested when we needed them the most.

    Bottom Line- Their coverage is good when you are not ill. They will do nothing once you are sick! Shame on United Healthcare and their misleading TV commercials !

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    We have Tricare through united, Horrible! I am walking around with broken bones right now, but they require 72 hours for an emergency referral. They’re hoping I just die so they don’t have to cover it.

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    WORST COMPANY EVER. Cannot believe our college insurance option is this ……Most incompetent company I have ever dealt with.

    I went for 6 sessions of Physical therapy. Two months after the insurance asked me for two documents, I uploaded both and send by email as well to their customer service. Called to confirm they received. They said at the moment they did.

    Now TWO months after they send me an email saying they did not receive both just one. Insane, Both documents were sent in the same email attached and loaded to their website and somehow their personal missed and asked me to send it again. I pulled out the email to check day and hour I send it to them AND I did send it.
    Unfortunately, they need and upgrade on their personal looks to me that they don’t know how to manage documents.

    I won’t recommend this company to anyone in the earth.

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    I’m out of pocket 400, not to mention the time wasted by both myself and my provider.

    Standard UH, “Yes your covered”… “Yes, I’ve told you the copay is only $25″…. 4 months later, but they are considered a specialist for those billing codes, you need to pay…

    Only sign up with them if the other option is based out of Washington DC.

  • Patti A /
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    This is the worst of all insurance companies I have come across to date. We are an agency that provides group treatment for chemical dependency and UHC continues to find EXCUSES to not pay for the members treatment. The last communication I received asked me for a CPT code for anesthesia. Really? Since when do you use anesthesia in group session?

    UHC is well aware of what the member is doing here since they have been here for almost 2 years. This agency has contacted UHC by phone as well as mail on several occasions to provide specific information being requested only to be sent a notification for something else. WOW!

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    This has got to be one of the worst insurance company’s. They have excuses for everything to avoid coverage. I recommend avoiding this company.

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    The WORST INSURANCE COMPANY out there. They will let you see doctors, or therapists for months and then NOT pay the providers at ALL, but they will call you if you DON’T pay them.

    I will tell anyone that is looking for insurance to cross out UNITED HEALTH CARE, they are the WORST……

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    This past April my son’s PC suggested that he see a Neurologist regarding his seizures. The doctor the PC suggested advised that the doctor did not take my son’s plan. I then began the hunt for a Neurologist in the area. After making a total of 13 phone calls to doctors listed as providers for this service to no avail I contacted Customer Service.

    The first CSR advised that the computer system was down, therefore, she could not assist me with my request at that time. I agreed to call back. On my call back I was advised to use the http://www.uhcccomunityplan.com to find a list of current Neurologist in our area and that she could not transfer me to anyone in Provider Relations for further assistance.

    The third CSR on a subsequent call back tried to be helpful but only provided the names of the same providers I had already called or checked out. After three days of phone calls, we did find a provider. The Provider Relations department is in need of someone to update the provider lists and also signify which plans each doctor honors or does not honor.

  • Laura P. /
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    I have had several different health care providers over the years and this by far the very worst! The only thing your $40 copay helps with is half the cost of the DR visit and maybe a small discount for anything done in the ofc. It does not cover any lab work, X-rays, or anything done “in house” even tho they tell you it does.

    The cost of it (and I have it through my employer) is outrageously high! I cannot believe they can get by with such poor service. I would definitely tell anyone thinking about this company to JUST SAY NO unless you have a lot of money to spend.

  • Richard Deschamps /
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    Hello,
    I have been with Golden Rule insurance for 5 years now, premiums go up by 150 -200 dollars every year . Hardly cover any prescription drugs just a small percentage , spoke to customer service supervisor today about only able to get them to pay for only monthly prescription coverage .

    My doctor gave me a script for 3 months , but Walmart said it’s your insurance they won’t cover 3 months at a time just one . Supervisor said on monthly payments they don’t want tp have to pay back thousands if people cancelled the insurance premium .

    As I thought about it later , maybe 1 or 2 people would cancel and not everyone at once . So that is a small percentage , we would have to all get together in here scenario . If you have to take prescriptions every month why not get 3 months at a time if your doctor approves it .

    Customer service told me it’s in the contract like it’s in stone , well they can change anything they want . We are the customers paying a high premium , so we suffer if a few opt out. So the customer service is a joke , all talk no action . They don’t realize like Walmart treat people like crap , they will leave , then they can find another job to scam .

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    Stay away from this company. Their excuse with me was they were not my primary insurance company and denied payment. They are listed on the bill as the primary. I did not catch this for over a year and they said I would have to appeal this in writing and mail it in.

    This is 2014 who does that instead of email? Now I wait for snail mail. United Health Care is the worst and they will do anything to keep from paying. Keep away select other companies for your heath car, it is like you have no health insurance. This bill was for $600.00.

  • ann guldin /
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    Save yourself a lot of aggravation and money. Do not sign up for United Healthcare.

  • Peter Moore /
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    I received a letter from UHC stating that they had tried to reach me by phone (never showed up on caller ID), and asking me to call them on their Customer Service #. I tried four times, and the total wait time on hold was 1 hour, 45 minutes. I was never connected to a live operator.

    Why would AARP ever associate with such an operation? When I call my other insurers, I get prompt and courteous service. I’m convinced that they don’t really want to talk to me…they just want to claim that they tried.

  • micheal amburgey /
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    Had problems with a co-pay and also bad problems with a doctor, bad medical practices. Called United Health care talked to extremely nice and knowledgeable young lady took who care of everything awesome person hope her boss knows how hard she works won’t use names but very very good company

  • Carmona /
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    UHC is total bull!!

    My father has paid them thousands of dollars for over 25 years. Since Feb. 1st he’s been in and out the of the hospital multiple times.

    He needs 2 medications. One called Promacta, he needs that 1st to increase his blood platelets, they continually deny it. However, they’re willing to pay the hospital stay and the 20 blood transfusions he needs to have, $25,000 A DAY! Ridiculous!

    The other medication is Harvoni. Both of these meds must be made of Gold because they don’t want to give these to those that need it.

    From all the research my family has done, it is said UHC Denys Denys Denys in hopes the patients die during their appeal. Especially to the older folks who were unfortunate to receive blood tainted w/Hep C before they started screening in the 80’s.

  • Carmona /
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    See review

  • Rebekah K /
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    Before acquiring this product for my adult daughter living out-of-state, I called to verify there would be no problems with her receiving care in her area. They affirmed there would be no problems, and ASSISTED ME IN CHOOSING A DOCTOR IN HER AREA.

    Now almost one year later, when she finally needs care but still has not received a card, I was told she was assigned a doctor here whom she has never seen in my state (three states away), there must have been a mistake, a doctor in her area is not an option, and they cannot verify I was ever told that because they don’t hold notes that long (a year???).

    I was instructed to call my benefits department and request her “network area” be changed & told that was my only/best option. My benefits department, as well as our contracted liaison, said no such option existed and they did not know why I was told that. I asked UHC at this point if our communication could be via e-mail, to which they responded that was against company policy (of course – they do not want proof they are misleading consumers!) and all communication must be via telephone or mail.

    After HOURS of trying to fix the problem, I asked if instead of spending work days on hold & risking my job if they could instead call me, after 5 (they are still open) and was assured that was possible as well. I was only called prior to 5 however, and when I complained was told they cannot guarantee a time.

    I tried to purchase a separate policy from Blue Cross, which I NEVER had a single complaint with, but was told with the new health care laws open enrollment was over and because UHC had lied regarding coverage in her area, I could not even purchase a private policy on my own. There was also an issue when I had to visit an emergency room.

    I had confirmed immediately after enrollment my preferred hospital was in-network. After a visit to their ER, where I paid my copayment immediately upon treatment, I received a bill for several hundred dollars.

    When I called to question why this was not covered, I was told a hospital may be in-network, but the ER physician might not be, and I would therefore, be responsible for 100% of the cost. Who in an EMERGENCY is going to check the network of the available doctor??? How can you be expected to wait in a life and death situation for a physician to be available who is IN-NETWORK. How is this legal???

    I recommend everyone whose employer is considering this company protest to their benefits departments, and buy a private policy from Blue Cross if the employer does not listen. I calculated the difference, and I actually would have saved money had I done this instead of being responsible for my daughter and my costs out of pocket for only one issue each.

  • Barbara Beaty /
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    It sucks that their plan does not cover 3D Mammography. I’ll bet that if their top executives (who are probably men)had to have their breast stretched, pulled and clamped down on each year during a regular mammography…that would change!

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    The contract company I am working for uses UnitedHealthcare. I have been a member for almost a month (29 days) and STILL am unable to even REGISTER my card online so that I can access my benefits, find providers, file claims.

    basically– I can’t even use my insurance because they are having “problems with their website” with NO TIMELINE of when it will be fixed! When I asked to speak with a manager/supervisor I was put on hold for 20+ minutes until I finally just hung up.

    This is absolutely ridiculous. What a joke.

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    Can not get answers via web, or phone on whether you are allowed to see a Dr. The list of Drs. is not up to date so when you find one you are then told by the facility they are no longer there.

    Just can’t get the service you are paying for – it is like big government, bloated and non-responsive.

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    This whole insurance thing is too much especially dealing with UHC is crap.

    As of now, I am in school and I bought united student health care insurance. Usually, I don’t get sick that much but this year I plan to do my annual physical check up ( V70.0) which comes under preventive care and insurance denied to pay. isn’t it ironic?

    I think it is ridiculous not to cover preventive care. I hate this insurance so much and been fighting for 3 months and I don’t even know where I can ask for help.

    Please let me know if anyone is having the same problem as mine. let me know what you guys did to get cover by insurance. thank you

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    I am part of the student insurance plan provided by UHC, that my school mandates that I have. I called to get my insurance card for the 2015-2016 school year and find out exactly when my plan expires because I will have to get new insurance as I am graduating.

    I was instructed to go to their website to register (of course) by their rep ‘Johnathan G’. The link he told me to go to wouldn’t work. He said to try it again, and that he was on the website, so I did and a blue screen saying I had a VIRUS!! and needed to call a 1-800 number to remove it popped up… It took over control of my computer, I couldn’t use my keyboard and it was playing an audio recording (which I let Johnathan listen to)

    After explaining why I needed to speak with his supervisor (as if it wasn’t obvious) Randy (another person without a last name) came on and told me there was nothing they could do because they didn’t cause the problem and that I was on my own. He said their IT team would make sure everything worked fine. Because we’ve never seen any big companies hacked before (Target, Anthem..etc)

    The network is fine I guess, the plan I have is cheap, but when I used it for a common cold I had in February. I was still being billed in summer. So the quality isn’t there. Their customer service needs to be greatly improved. I will be switching when my plan needs to be renewed. I guess they don’t care about long-term customers.

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